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At First National Bank Small Business Finance, we offer a variety of products to help small businesses grow and improve. Through our SBA Loan Programs, we can help business owners achieve financing while keeping more cash flow on hand. As you or a business you know are in need of financing, let our experienced team help you decide which financing option works best for your business.

SBA 7(a) Loans

  • Loan for the purchase of owner-occupied real estate, leasehold improvements, equipment, working capital, business acquisition, partner buyouts, and business startup expenses
  • Loan amounts up to $5 Million with no minimum amounts
  • 10 – 25 years and are fully amortizing - no balloon payments
  • Loans for For-Profit and fall within a size limit of having a tangible net worth of less than $15 Million and have had an average profit of less than $5 Million in the last two years

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SBA 504 Loans

  • Loans for the purchase of fixed assets, including owner-occupied commercial real estate and equipment
  • Loan amounts up to $10 Million or more
  • 25-year term with rates that adjust every 5 years on the first mortgage
  • Loans for For-Profit and fall within a size limit of having a tangible net worth of less than $15 Million and have had an average profit of less than $5 Million in the last two years

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SBA Express Loans

  • Loans for Business Acquisitions, Expansions, and more
  • Loan amounts up to $350,000
  • 5-7 year term

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Things to know before you apply:

Depending on your type of organization, we may need one or more of the following documents when opening your account:

  • Department of State printout of business registration/Government-issued business license
  • CPA-signed tax return
  • Articles of Incorporation or Articles of Organization
  • Bylaws or Operating Agreement
  • Partnership Agreement

Have the following items available for your meeting with our experienced team:

  • All current mortgage statements
  • Current bank statements and/or account balances
  • List of all owners having 20% or more ownership in the subject business along with any affiliates (if applicable)
  • List of all current business debts and their respective monthly payments
  • Tax Identification Number for the business and/or its affiliates.
  • DUNS (Data Universal Numbering System) number